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Home Loan Interest Rates And Charges

Our home loan interest rates start at 9.25% and are competitive amongst the other players in the industry. However, it depends on loan eligibility, income and other criteria to determine the interest rates for the loan offered. When you apply for a Home Loan with Tata Capital, you do not have to worry about any hidden charges. Whether it is related to processing fees, foreclosure charges, or delayed Home Loan EMI Payments, all information is transparently-provided for smooth processing of your home loan. 

Below is the comprehensive breakdown of Home Loan Fees and Charges on home loans.


No charges when you pay off your Home Loan faster with your own funds. However, if you use someone else's funds then a foreclosure charge will apply.

Delayed EMI Payments

Charges of 2% over the prevailing rate will apply for the period of delay.

Collection Agency

On actual

Legal Charges

On actual

Other Parameters

PDC charges, loan cancellation charges, dishonour of cheque charges (cheque bounce), rejection of electronic clearance service (ECS) charges, PDC swapping charges, account maintenance charges, CERSAI charges apply.

Miscellaneous Charges

Processing Fee

0.5% of the loan amount onwards + GST

Detailed FAQs

Our interest rates begin from 9.25% and are highly competitive. We offer concessional interest rates to women beneficiaries. Additionally, we provide subsidized home loans to low income groups under PMAY subsidy.

No. The processing fee is non-fundable as we incur expenses when we process your Home Loan application. Processing involves scrutiny of your application, verification of your documents, assessing your application, calculating your home loan eligibility and so on. 

The processing fee for a Home Loan may vary, but it will not exceed 2% of the total home loan amount. We charge you a processing fee to cover fixed legal and technical verification cost. It is the cost charged by the empanelled agencies. 

Some of the common reasons for change in home loan interest rates are:

Revision in the Prime Lending Rate of the company

Your interest rate shifting from a fixed rate to floating rate upon maturity of the fixed term of the loan as agreed at the time of home loan disbursal

Switch of Return on Investment (ROI) on request

On submission of switch fees to get a discount over the Prime Lending Rate.

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